The Cheesecake Factory Incorporated
Updated Filing received by DOL a plan year 2025 filing was received August 3, 2026 for 1 of this employer's 2 plans; this record moves to 2025 when all have arrived
The Cheesecake Factory Incorporated, an accommodation & food services employer in Calabasas, California, reported 10,250 participants in its health and welfare plans for plan year 2024. Its Form 5500 shows $268,335 in insurance premiums across 7 contracts and $211,146 in broker commissions and fees. The plan is a mix of insured and self-funded coverage. The Department of Labor received the filing on July 17, 2025, before the deadline.
Who was paid on The Cheesecake Factory Incorporated's plan
Schedule A, Part I lists each broker or agent paid on each insurance contract and the amount. Totals below add every contract The Cheesecake Factory Incorporated filed for 2024.
| Broker or agent | Commissions | Fees | Total | Contracts |
|---|---|---|---|---|
| Mercer · Minneapolis, MN | $128,945 | $30,816 | $159,761 | 7 |
| Bswift LLC · Minneapolis, MN | $37,649 | $319 | $37,968 | 3 |
| Marsh McLennan Agency · San Juan, PR | $13,417 | $0 | $13,417 | 1 |
Source: DOL Form 5500 Schedule A, Part I (broker commissions and fees), plan year 2024, as published in EBSA's 2024 "Latest" dataset. Part I names whoever the carrier paid, which can be a firm or an individual agent; both are public record. Amounts exclude pay from carriers not tied to a listed contract.
Insurance contracts and carriers
Every insurance contract reported on Schedule A: carrier, what it covers, people covered at year end, earned premium, and broker compensation.
| Carrier · coverage | Covered | Premium | Broker pay | Rate |
|---|---|---|---|---|
| Triple S Salud, Inc.health, dental, prescription drug, PPO | 68 | $268,335 | $13,417 | 5.0% |
| Hartford Life and Accidenthealth, indemnity | 2,964 | — | $91,917 | — |
| Hartford Life and Accidentlife, short-term disability, long-term disability | 8,877 | — | $14,920 | — |
| Hawaii Medical Service Associationhealth, dental, vision, prescription drug, HMO, PPO | 634 | — | — | — |
| Metlife Legal Planscoverage not coded | 921 | — | $24,927 | — |
| Cigna Health and Life Insurance Company and Affiliatesdental, HMO, indemnity | 1,377 | — | — | — |
| Reliastar Life Insurance Companystop-loss | 8,357 | — | $65,965 | — |
Source: DOL Form 5500 Schedule A, plan year 2024. Self-funded medical coverage has no premium; amounts shown for it are stop-loss or administrative contracts.
How The Cheesecake Factory Incorporated compares
Medians across employers for plan year 2024, the most recent complete year. Commission rates use fully insured medical contracts only; dollar medians use every employer that disclosed broker pay.
Not computable: no insured medical premium on the filing.
Premium per covered person on medical contracts: $3,946 a year (national median $7,274).
Source: BenefitsLedger benchmarks from 58,547 employer health plans with 100 or more participants, plan year 2024. Methodology.
Year over year
| 2023 | 2024 | Change | |
|---|---|---|---|
| Participants | 11,898 | 10,250 | −13.9% |
| Premiums filed | $220,034 | $268,335 | not comparable |
| Broker commissions + fees | $163,953 | $211,146 | +28.8% |
| Commission rate | — | — | — |
Source: DOL Form 5500 filings for plan years 2023 and 2024.
Filings and timeliness
Plans this employer filed under its EIN with a health benefit code. Large plans are due seven months after the plan year ends, or two and a half months later with an extension; amended filings carry the amendment date, so no timing is asserted for them.
| Plan | Plan year end | Received by DOL | Timing | Participants |
|---|---|---|---|---|
| The Cheesecake Factory Incorporated Health and Welfare Plan#501 · insurance, general assets | December 31, 2024 | July 17, 2025 | before deadline | 10,250 |
| The Cheesecake Factory Incorporated Texas Occupational Injury Benefit Plan#505 · general assets | April 8, 2025 | November 12, 2025 | before deadline | 5,122 |
Source: DOL Form 5500 Part I and signature dates; "late" means received after the extended deadline (the 15th day of the tenth month after plan year end). What a late Form 5500 costs.
How much did The Cheesecake Factory Incorporated pay in health insurance broker commissions in 2024?
The Cheesecake Factory Incorporated's 2024 Form 5500 reports $211,146 in broker commissions and fees across 7 insurance contracts ($180,011 in commissions, $31,135 in fees), with Mercer receiving the largest share.
Is The Cheesecake Factory Incorporated's health plan self-funded or fully insured?
The 2024 filing indicates the plan is a mix of insured and self-funded coverage. Medical coverage is written by Triple S Salud, Inc., Hartford Life and Accident, Hawaii Medical Service Association.
How does The Cheesecake Factory Incorporated's broker compensation compare with similar employers?
A commission-to-premium ratio cannot be computed for The Cheesecake Factory Incorporated because the filing does not report medical premium on Schedule A (usual for self-funded plans). In dollars, employers with 5,000+ participants that disclosed broker pay reported a median of $458,262.
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Record built October 24, 2026 from U.S. Department of Labor, EBSA Form 5500 datasets (2025, 2024, 2023 plan years, 'Latest' files). Filings can run 7 to 10 months behind the plan year; always confirm against current plan documents. BenefitsLedger is not affiliated with the U.S. Department of Labor. Open the DOL filing search.